Verizon reported at bk, claim filed, now collection

[Anonymous]

I had an account with Verizon. I told my attorney. He said keep it and just continue to pay bill. Later on my sister had a bogo deal and I took phone and got on her account. I didn't have extra money to pay Verizon. The bill went to collections even after explaining that I wouldnt have the extra money. Can they still legally collect after sending to collection. Even though they tried to benefit by making a claim on my bk claims?? I have no idea maybe someone here knows??

[FireMedic1]

First question. What is BOGO? So you got 2 accounts or you added her phone to your account. Knowing you didn't have the cash to pay. Why take on the responsibility in the first place after BK. Maybe I'm confused here.

[Anonymous]

No I got a new cell phone because the bill is 40 dollars cheaper.And in my life a cell phone is a need.

[FireMedic1]

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@Anonymous wrote:
I had an account with Verizon. I told my attorney. He said keep it and just continue to pay bill. Later on my sister had a bogo deal and I took phone and got on her account. I didn't have extra money to pay Verizon. The bill went to collections even after explaining that I wouldnt have the extra money. Can they still legally collect after sending to collection. Even though they tried to benefit by making a claim on my bk claims?? I have no idea maybe someone here knows??

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You kept the service all thru BK and DC. If service was shut off before BK and you owed a balance that would have been DC'ed. But it went past that and now you owe. Verizon has their own collections internally. They want to get their money back before they lose money when they sell it to a real collection agency. I'd call and make payment arraingements ASAP. Or a new collections will show up on your credit reports for 7 yrs when they throw in the towel and sell it.

[Anonymous]

So yes it is in collections. So I may as well cut that as a loss and let it age with the bk I guess. They told me I had to pay by the due date in full and would still send to collections if not paid in full by that date.

[pizza1]

Are you saying that you had a delinquent Verizon account when you filed for BK, and they were included in your plan or not?

If they were, they should be getting money in your plan, and trying to collect outside of your plan is a violation of the BK courts and the automatic stay in place, and they can't try and collect outside of the BK.

If they weren't IIB 13 plan, then you still owe the debt regardless. Only thing different is they can pursue collection activity on this particular debt.

[Anonymous]

Okay if only my sister had got a cellphone and added me before I filed I may have been ok.

I wasn't sure Verizon did not turn my phone off or ask for phone back but I did see in my case where they filed a claim for my past due phone bill.

That's what prompted me to ask the question.

[Anonymous]

So you were making payments on a phone, jumped ship with that phone to your sister's plan, then the full balance of the phone became due on your account and went to collections?

Sounds like new debt incurred after filing to me . . . . 

It's not quite as simple as letting the collection age along with the BK. Your rebuild will basically be dead from the get go with more red marks on your report post BK. I'd sell the phone to pay the bill if that's what it takes to resolve it, and get a hand me down phone from a friend or family member to use.

[Anonymous]

yes im just going to pay the collection. It seems the best thing to do from this point the public record is there until 2025 and the collection will fall shortly 5 months later so the timing i guess will work itself out. 

I was paying 118 for my phone bill before 

And when she offered the free phone with her purchase my bill went down to 75 dollars. 

I was told earlier to just have cut the phone all together but in my line of work in my company policy a cell phone is an absolute must.